Natural hazards · North Garden

North Garden, VA natural hazards

Most of the natural-hazard damage FEMA expects in North Garden comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is North Garden?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Garden to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding76%Hurricanes7%Everything else17%

By hazard

What North Garden faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

76% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does North Garden flood?

FEMA's records show no paid flood insurance claims in North Garden.

of homes in flood zones
are insured

of all homes
are insured

No community discount. North Garden isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Albemarle County.

Disasters that hit North Garden

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in North Garden itself: aid to households, or repair grants to North Garden.

Brought FEMA money into North GardenDeclared for Albemarle County only

2011

Earthquake

6 households applied for aid $3K aid approved

2003

Hurricane Isabel

2 households applied for aid $870 aid approved

Albemarle County has had 23 natural disasters declared since 1953, most often hurricanes and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. North Garden is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to North Garden’s own flood-insurance community; household aid to the registrant’s city; repair grants to North Garden. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.